There is no such thing as a "one size fits all" investment strategy. If Buy and Hold investors did not learn from the '73-74 bear market, the 1987 crash, or the malaise of the early nineties, it was certainly brought home again by the mind numbing declines of the first years of the twenty first century. Instead, active management strategies, employing constant monitoring and hardnosed — by the numbers discipline, are needed to respond to the twists and turns of the financial marketplace.

The instruments available to implement these strategies are almost as varied as the strategies themselves. Whether an investor has or intends to own mutual funds, variable annuities or variable life insurance, Flexible Plan has dedicated itself to providing the most active management strategies for the most investment vehicles:

• Direct ownership — mutual fund, VA and VUL companies;
  
• Mutual Fund Wrap Program with 1000's of funds, and NO transaction fees;
  
• Variable annuity services with multiple strategies within one VA;
  
• Active management of 401(k) and 403(b) accounts